Housing savings loan rate, amount and state premium

In order to benefit from the housing savings loan, the borrower must hold a home savings plan or a home savings account that opens the loan and bonus rights. This loan must be the subject of the purchase of real estate property in the new or in the old as the principal residence of the borrower or one of his family members. It can also finance the realization of work or improvement of housing intended for the principal residence.

The loan rate obtained through determined by the subscription date of the savings product. 

Housing savings plan: the amount, duration and rate of the loan

Housing savings plan: the amount, duration and rate of the loan

The amount and duration of the loan depend on the interest earned during the savings phase. The maximum amount of the loan is 92000 €, in the case where the borrower would simultaneously borrow a loan from a and a loan, the amount of the two loans could not exceed 92000 €.

The minimum duration is 2 years, it can go up to 15 years maximum.

History of loan rates

loan rates

* The state premium is conditioned by the establishment of a housing savings loan since December 2002

Housing Savings Account: the amount, duration and rate of the loan

The amount and duration of the loan depend on the interest earned during the savings phase. The maximum loan amount is € 23,000.

The minimum duration is 2 years, it can go up to 15 years maximum.

History of loan rates

loan rates

State Award

The amount of the premium paid by the State depends on the interests acquired by the saver.

For the maximum bonus allocated is € 1000, it can be increased to € 1525 if the property subject to the loan complies with the standards of sustainable development. It is also increased by € 100 per dependency, € 153 if the property meets the standards of sustainable development. For plans opened since 01/03/2011, the premium is granted only in the case where the ELP gives rise to a mortgage of at least € 5,000.